City comparison
Manchester, NH vs South Bend, IN
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Manchester, NH are 13.8% higher than in South Bend, IN. Someone earning $100,000 in South Bend, IN would need about $113,800 in Manchester, NH to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,552 a month in Manchester, NH versus $1,105 in South Bend, IN. On $100,000, that's 24% of take-home pay in Manchester, NH and 17% in South Bend, IN.
- On $100,000, estimated state income tax is about $2,921 a year higher in South Bend, IN than in Manchester, NH.
- For federal employees, locality pay changes a GS-13 step 1 salary by −11.7% moving from Manchester, NH to South Bend, IN ($120,548 → $106,437), while prices change by −12.1%. Net effect of the transfer: +0.5% in real buying power.
- Manchester, NH: price level 105.7 (pricier)
- South Bend, IN: price level 92.9 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Manchester, NH | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 105.7 | 92.9 |
| $100,000 is worth, in the other city2 | $87,886 in South Bend | $113,783 in Manchester |
| Typical 1-bedroom rent3 | $1,552/mo | $1,105/mo |
| Take-home on $100,00014,15,8 | $79,180 | $76,260 |
| State income tax on $100,000 (estimate)8 | $0 (NH) | $2,921 (IN) |
| Rent burden on $100,000 | 24% | 17% |
| Median pay, all jobs4 | $56,530 | $46,540 |
| Federal locality pay area7 | Boston-Worcester-Providence, MA-RI-NH-CT-ME-VT | Rest of U.S. |
Rent areas: Manchester, NH HUD Metro FMR Area and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: Manchester-Nashua, NH and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | Manchester | South Bend |
|---|---|---|
| Housing (rent) | 134.2 | 74.6 |
| Goods | 97.7 | 94.2 |
| Utilities | 133.5 | 87.7 |
| Other services | 103.7 | 99.2 |
| Overall | 105.7 | 92.9 |
Moving with the same $100,000 salary
Manchester, NH → South Bend, IN
Same pay goes further
Buying power +13.8%; rent takes 17% of take-home; state tax +$2,921/yr.
100 Strong offer
South Bend, IN → Manchester, NH
Same pay buys less
Buying power −12.1%; rent takes 24% of take-home; state tax −$2,921/yr.
38 Weak offer
On the GS pay scale?
Manchester, NH is in the Boston-Worcester-Providence, MA-RI-NH-CT-ME-VT pay area; South Bend, IN is in Rest of U.S.. The last column shows what a transfer from Manchester, NH to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | Manchester, NH | South Bend, IN | Real change, Manchester → South Bend |
|---|---|---|---|
| GS-9 step 1 | $69,905 | $61,722 | +0.5% |
| GS-11 step 1 | $84,579 | $74,678 | +0.5% |
| GS-12 step 1 | $101,375 | $89,508 | +0.5% |
| GS-13 step 1 | $120,548 | $106,437 | +0.5% |
| GS-14 step 1 | $142,452 | $125,776 | +0.5% |
Pay for common jobs
| Median annual pay4 | Manchester, NH | South Bend, IN | South Bend pay in Manchester dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $73,380 | $58,180 | $66,199 (−9.8%) |
| Software Developers | $162,090 | $95,500 | $108,663 (−33.0%) |
| Accountants and Auditors | $83,660 | $77,940 | $88,683 (+6.0%) |
| Registered Nurses | $98,600 | $93,540 | $106,433 (+7.9%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.